Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B Using Instant Payments Solution
TodayPayments.com is committed to empowering businesses with advanced Real-Time Payments (RTP®) solutions that deliver secure, fast, and fully traceable transactions—accelerating cash flow, eliminating chargebacks, and transforming payment operations.
TodayPayments.com positions its RTP® Instant Payments platform as a robust, compliant, and automation-ready payment engine built for modern businesses. Our system enables real-time settlement, digital invoicing, and batch file uploads, giving organizations the tools they need to handle high-volume A2A, B2B, B2C, and C2B payments—all with finality, security, and speed.
Real-Time Speed for a Real-Time Economy
In today’s fast-paced, always-on digital marketplace, delayed payments are more than an inconvenience—they’re a risk. Real-Time Payments RTP® provides a solution that moves money in seconds, not days. Businesses and consumers can send and receive secure RTP® payments across A2A, B2B, B2C, and C2B flows with full fund certainty and zero chargebacks.
The RTP® Instant Payments Solution offers powerful tools like batch uploads, mobile RfP (Request for Payment), and ISO 20022 messaging—making it easy to streamline cash flow, automate reconciliation, and unlock financial agility 24/7/365.
Real-Time Results Start at TodayPayments.com
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Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Payments Solution enables secure, real-time fund transfers with immediate RTP® settlement, allowing businesses and consumers to send and receive payments instantly across all transaction types with zero chargebacks and maximum cash flow efficiency.
Using batch upload capabilities in Excel, XML, or JSON formats, companies can automate high-frequency payments across various flows—such as vendor settlements (B2B), direct account transfers (A2A), or customer disbursements (C2B). All transactions are settled in real-time with rich ISO 20022 data fields for full traceability.
With mobile-triggered Request for Payment (RfP) tools, merchants can send digital invoices and receive funds within seconds. The RTP® infrastructure guarantees fund finality, eliminating chargebacks, rejections, and delays caused by traditional banking rails.
These tools position your business to operate with speed, visibility, and efficiency—reducing DSO, optimizing liquidity, and automating settlement workflows.
RTP® Parameters
- ✅ Settlement Time: Under 10 seconds
- ✅ Model: Credit-push only (no pull or chargeback)
- ✅ Availability: 24/7/365
- ✅ Use Cases: A2A, B2B, B2C, C2B transactions
- ✅ Compliance Format: ISO 20022
- ✅ Batch Upload Support: Excel (.XLSX), XML, JSON
- ✅ Invoicing Tools: Mobile-compatible Request for Payment (RfP)
These parameters enable RTP® to operate as one of the most efficient and trusted instant payment systems available today.
RTP® Attributes
- Real-time settlement and confirmation
- Irrevocable transactions with no chargebacks
- ISO 20022 rich metadata for reconciliation and reporting
- Automated batch upload for high-volume payments
- Cross-channel compatibility with ERP, banking, and invoicing systems
- Mobile and API-first RfP capability
RTP® Benefits
- Accelerates cash flow for businesses of all sizes
- Eliminates chargeback risk by using credit-push architecture
- Improves liquidity management with immediate fund visibility
- Simplifies audit trails and compliance with structured ISO messaging
- Reduces overhead associated with delayed payments and manual processing
- Optimizes vendor and customer experiences through instant fund delivery
RTP® Features
- ✅ Instant availability of funds (under 10 seconds)
- ✅ Structured payment metadata with invoice IDs and references
- ✅ Batch file support for recurring or one-time transactions
- ✅ Seamless file compatibility: Excel, XML, JSON
- ✅ Secure digital invoicing via RfP for mobile and web collections
- ✅ Certified integration with leading U.S. financial institutions
Ready to modernize your payments? RTP® Instant Payments from TodayPayments.com deliver unmatched speed, security, and control.
✅ Settle funds in under 10
seconds
✅ Upload payments in Excel, XML, or
JSON
✅ Trigger mobile RfP digital invoices
✅ Eliminate chargebacks and delays
✅
Integrate with your ERP and accounting platforms
✅
Comply with ISO 20022 payment standards
Visit https://www.TodayPayments.com today to unlock RTP® Instant Payments and upgrade your financial engine for the real-time economy.
Creation Request for Payment Bank File
Enhance Your Instant Payments Solution Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable Merchant Pages for Enhanced Customer Experience:
Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for Instant Payments Solution payment processing pricing
